It depends on your personal situation—your driving habits, the value of your vehicle, and your financial ability to cover costs in an accident. While California has state minimums for liability, those limits often aren’t enough to fully protect you. We help you understand what each type of coverage (liability, comprehensive, collision, uninsured motorist, etc.) means and recommend the right amount based on your risk level and budget..

Insurance companies look at several factors to determine your rate, including your driving record, age, location (like San Diego or Carlsbad), type of vehicle, annual mileage, and even your credit score in some cases. We shop multiple carriers to find the best combination of coverage and price based on your unique profile.

Yes, and it often leads to significant savings. Many insurance carriers offer multi-policy discounts when you bundle auto with home, renters, or even umbrella insurance. We’ll check all eligible discounts to maximize your savings without compromising coverage.

If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident. However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.

Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy. Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.